merchant-agreement

4. Accepting nominated cards
4.1. You must:
(a) use reasonable care to detect forged or unauthorised signatures or the unauthorised
use or forgery of a nominated card; and
(b) notify us if you become aware of or suspect fraud on the part of a cardholder; and
(c) not deliberately reduce the value of any one transaction below your fl oor limit by:
(i) splitting a transaction into two or more transactions; or
(ii) allowing a cardholder to purchase items separately; and
(d) establish a fair policy for dealing with refunds and disputes about transactions and
include information about that policy on transaction receipts as required by us; and
(e) only process a transaction as a refund to a cardholder if it is a genuine refund of a
previous sale transaction. If you process a refund transaction, the refund must be
processed to the same card that was used in the original sales transaction, for the
original sale amount, and must not be given in cash or by cheque; and
(f) not process a refund transaction as a way of transferring funds between your
accounts; and
(g) unless your customer has arranged with you to pay for goods or services in
instalments you must only accept a credit card transaction for the full purchase price
of those goods and services or part of it plus the balance paid in cash at the time of
that transaction; and
(h) not state or set a minimum or maximum amount for a nominated card transaction
without our prior written consent; and
(i) not ask a cardholder to reveal their Personal Identifi cation Number (PIN) or any other
secret identifi er; and
(j) contact us for instructions if the identifi cation of a cardholder or the validity of the
nominated card is uncertain; and
(k) process a quasi-cash transaction (a purchase of goods easily converted into cash such
as gaming chips, money orders or foreign cash) as a purchase transaction not a cash
out transaction.
Point of sale transactions
4.2. For a point of sale transaction, you must:
(a) always:
(i) insert a chip card into your terminal if it can read chip cards; and
(ii) enable a contactless card to be read by the electronic equipment if you have it,
otherwise swipe or insert it following any prompts including those indicating
the need for a Personal Identifi cation Number (PIN) and/or a signature; and
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